Student Loan Payment Reporting

[Stuart Udis]

I am currently renting a condo and the tenant has expressed interest in purchasing the unit at the end of her lease. However she informed me she recently received negative reporting for failure to make 3 consecutive payments. I do not believe the misssed payments were financially driven, rather lack of oversight. She asked if I had any guidance on removing the negative reporting and admittedly informed her I am no familiar with this process other than it being my understanding goodwill requests are generally rejected and the credit repair companies are generally subscription based money grabs.

The one thing that stuck out in our conversation was the fact she initially applied for indiviudal student loans each year or semester (can't recall) and she pays one amount monthly that covers each individual loan yet each loan is reported indvidually so she has  4 or 5 90 day late derogatory marks on her report.  Assuming there was a financial element to the missed payments, it seems unfair to not have the opportunity to pay monthly for individual loans and the failure to pay all resorts in derogatory marks against all. Seems inequitable. Has anyone come across this or used this sucesfully as a basis to remove reporting?